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When Good Investments Are Bad for Your Retirement Savings

Q: I have an investment portfolio outside of my retirement plans. That portfolio kicks out dividend and interest income. If I roll all that passive income back into my portfolio, can I count that...

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The Painful Secret to Retirement Success

BrightScope co-founders (and brothers) Mike and Ryan Alfred say saving is the most important thing you can do for your retirement. Start saving early and start saving a lot—way more than the 5% or 6%...

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Here’s How Greece Could Affect Your Retirement Savings

Greek leaders are scrambling to nail down a new bailout deal before July 20, when the country would otherwise default on a €3.5 billion bond repayment to European creditors and might be forced to...

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Donald Trump Employees’ 401(k) Plans Come With a Huge Catch

It turns out that Donald Trump—the real estate mogul and Republican presidential hopeful who has promised to be “the greatest jobs president that God ever created”—is a bit of a Scrooge when it comes...

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How to Become a 401(k) Millionaire

For millennials, retirement is something that feels like it’s forever away, which is a good thing when it comes to preparing for it. Jeanne Thompson, Fidelity Investments’ vice president of thought...

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Here’s How Much Cash You Need in Retirement

Q: I am in my eighth year of retirement. A few years in, I found myself spending a considerable amount on repairs and upkeep on my old house. I also had to replace my car. Luckily, I was able to build...

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8 Ways to Simplify Your Finances

Do you find yourself overwhelmed by your financial responsibilities? Do you sometimes ignore your accounts and budget because thinking about them adds stress or confusion? Understanding the steps for...

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Should I Pay for College With a 401(k) or Home Equity Loan?

Q. I need to borrow $10,000 for my son’s college in the fall. I can’t decide if I should outright take a loan, borrow from my home equity or take a 401(k) loan. Help!! A. All of your borrowing options...

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The Hidden Costs of Borrowing From Your 401(k)

All it usually takes to borrow money from your 401(k) are a few clicks on a website, and a check will arrive a few days later. That is why U.S. retirement industry leaders talk about the prospect of...

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Vanguard’s Founder Explains What Your Investment Adviser Should Do

The life of a financial adviser can be very tricky. Many of them believe that leaving a client’s investments alone is the best option, but when, year after year, clients come in asking what the best...

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Why Focus Is Essential to Building Wealth

Building wealth is a process, not an event — a process that takes discipline and a long-term outlook. You must focus on yourself, not what others are doing. Work hard and maintain a consistent...

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Vanguard Founder Jack Bogle’s Surprising Retirement Advice

Don’t you dare open that monthly statement you get about your retirement account, says Jack Bogle, founder of the mutual fund giant Vanguard, which now has about $3 trillion of assets under management....

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The Right Way to Lower Your Tax Bill on an Inherited IRA

Q: My dad has a traditional IRA with non-deductible, after-tax contributions. He has to figure out the taxable and non-taxable portion of the distribution every time he withdraws money. I will inherit...

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The 8 Smartest Things To Do With Your Money in Your 30s

After a decade of experimenting, failing, learning from those failures, and “figuring things out,” you might find yourself in a more secure financial position once you hit your 30s. What do you do with...

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What Happens If I Overcontribute to My Retirement Account?

Using a 401(k) or an IRA can be a powerful, tax-advantaged way to save for retirement, because your investment grows tax-deferred, and the contributions you make now can help reduce your taxable...

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4 Ways to Protect Your Retirement Money From Scammers (and Your Future Self)

The good news: Through hard work, thrift, and wise choices, you’re set for retirement. The bad news: You might find it harder someday to make sound financial decisions. On average, money smarts peak at...

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3 Things Millennials Need to Know About Money

If there are three things millennials need to know about money, CNN’s chief business correspondent Christine Romans thinks rent costs are at the top of the list. “You’re probably paying too much rent,”...

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The Smartest Reason to Max Out Your Retirement Account Contributions

Accidents happen. But even in a country as litigious as the United States, there are ways to protect your assets and hard-earned money from creditors and others set to deprive you of them. The most...

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Why Your 401(k) Is Still Doomed

As someone who should have saved more for retirement when I was younger, I’ve often taken solace in the existence of “catch-up contributions” — the additional amount above the usual limit that the IRS...

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The Brilliant Retirement Idea That Nobody Likes

For years, Washington and Wall Street have been co-operating to create a killer retirement solution that could guarantee that millions of worried Americans won’t run out of money in old age. The only...

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